Insurance snafu with sewer line break at condo

Not me but a neighbor a few doors down... Would like to see if there's anything I can do to prevent the same happening to me.

Two story attached condominium / townhome. The bottom floor floods when water starts pouring out of the toilet bowl in the downstairs bathroom. Flooring/carpet now needs replacement along with some affected areas of drywall and baseboards. A plumbing inspection with remote camera reveals the flood was caused by a sewer line break underneath the driveway in front of the property. The HOA is responsible for this as the CC&R's specify the driveway/sidewalk and main sewer line feeds as being common property; they're covering these repairs. HOA will not cover damage to the interior of the condo. Homeowner's insurance (condo policy, State Farm) is also refusing to cover the interior damage; they're pointing the finger at the HOA.

Questions:

- Is this a loophole in condo insurance for which there's no solution?

- Is there / was there additional coverage available that would have covered this type of mess?

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